Payment settlement via cryptocurrency exchange for fiat currency

Abstract

An example operation may include one or more of receiving a payment amount and an identifier of a recipient account from a digital wallet application of a user, the digital wallet application containing a payment card account and a cryptocurrency account, determining to perform a buy-now pay-later (BNPL) transaction for the payment amount based on current holdings in the payment card account and current holdings in the cryptocurrency account; transmitting, via a crypto-bridge application programming interface (API), fiat currency from the payment card account to a crypto exchange, receiving, via the crypt-bridge API, an amount of the cryptocurrency based on the payment amount and store the amount of cryptocurrency in the digital wallet application; generating an entry comprising a future date, the identifier of the recipient account, and a return value to retrieve from the crypto exchange at the future date, and storing the entry in the queue.

What is claimed is: 
     
         1 . An apparatus comprising:
 a memory device comprising a queue; and   a processor configured to:
 receive a payment amount and an identifier of a recipient account from a digital wallet application of a user, the digital wallet application containing a payment card account and a cryptocurrency account; 
 determine to perform a buy-now pay-later (BNPL) transaction for the payment amount based on current holdings in the payment card account and current holdings in the cryptocurrency account; 
 transmit, via a crypto-bridge application programming interface (API), fiat currency from the payment card account to a crypto exchange; 
 receive, via the crypto-bridge API, an amount of the cryptocurrency based on the payment amount and store the amount of cryptocurrency in the digital wallet application; 
 generate an entry comprising a future date, the identifier of the recipient account, and a return value to retrieve from the crypto exchange at the future date; and 
 store the entry in the queue. 
   
     
     
         2 . The apparatus of  claim 1 , wherein the processor is further configured to estimate a future value of the current holdings in the cryptocurrency account based on historical values of the cryptocurrency over time and a future value of the current holdings of the payment card account based on historical values of a fiat currency over time. 
     
     
         3 . The apparatus of  claim 1 , wherein the processor is configured to determine to perform the BNPL transaction in response to a predicted future value of the cryptocurrency in comparison to a predicted future value of the fiat currency. 
     
     
         4 . The apparatus of  claim 1 , wherein the crypto-bridge API establishes a communication channel and a message format for communication between a send money service of the digital wallet application and the crypto exchange. 
     
     
         5 . The apparatus of  claim 1 , wherein the processor is configured to detect an occurrence of the future date and retrieve fiat currency from the crypto exchange via the crypto-bridge API based on a transfer of the cryptocurrency stored in the digital wallet application to the crypto exchange, and execute a payment transaction which transfers the fiat currency to the recipient. 
     
     
         6 . The apparatus of  claim 1 , wherein the processor is configured to execute a time-to-live job that expires on the future date and store a pointer to the entry stored in the queue within the time-to-live job. 
     
     
         7 . The apparatus of  claim 1 , wherein the processor is configured to generate a plurality of entries, each entry comprising a different respective future date, the identifier of the recipient account, and a partial return amount to retrieve from the crypto exchange at the future date and store the plurality of entries in the queue. 
     
     
         8 . The apparatus of  claim 7 , wherein the processor is configured to retrieve a plurality of partial return amounts of the payment amount in fiat currency from the crypto exchange via the crypto-bridge API based on the plurality of entries in the queue at the plurality of different respective future dates, and transmit a plurality of payment card transactions to the recipient account with the plurality of partial return amounts based on the plurality of retrieved partial amounts. 
     
     
         9 . A method comprising:
 receiving a payment amount and an identifier of a recipient account from a digital wallet application of a user, the digital wallet application containing a payment card account and a cryptocurrency account;   determining to perform a buy-now pay-later (BNPL) transaction for the payment amount based on current holdings in the payment card account and current holdings in the cryptocurrency account;   transmitting, via a crypto-bridge application programming interface (API), fiat currency from the payment card account to a crypto exchange;   receiving, via the crypto-bridge API, an amount of the cryptocurrency based on the payment amount and store the amount of cryptocurrency in the digital wallet application;   generating an entry comprising a future date, the identifier of the recipient account, and a return value to retrieve from the crypto exchange at the future date; and   storing the entry in a queue.   
     
     
         10 . The method of  claim 9 , wherein the determining comprises estimating a future value of the current holdings in the cryptocurrency account based on historical values of the cryptocurrency over time and a future value of the current holdings of the payment card account based on historical values of a fiat currency over time. 
     
     
         11 . The method of  claim 9 , wherein the determining comprises determining to perform the BNPL transaction in response to a predicted future value of the cryptocurrency in comparison to a predicted future value of the fiat currency. 
     
     
         12 . The method of  claim 9 , wherein the crypto-bridge API establishes a communication channel and a message format for communication between a send money service of the digital wallet application and the crypto exchange. 
     
     
         13 . The method of  claim 9 , wherein the method further comprises detecting an occurrence of the future date, retrieving fiat currency from the crypto exchange via the crypto-bridge API based on a transfer of the cryptocurrency stored in the digital wallet application to the crypto exchange, and executing a payment transaction which transfers the fiat currency to the recipient. 
     
     
         14 . The method of  claim 9 , wherein the generating further comprises executing a time-to-live job that expires on the future date and storing a pointer to the entry stored in the queue within the time-to-live job. 
     
     
         15 . The method of  claim 9 , wherein the generating comprises generating a plurality of entries, each entry comprising a different respective future date, the identifier of the recipient account and a partial return amount to retrieve from the crypto exchange at the future date, and storing the plurality of entries in the queue. 
     
     
         16 . The method of  claim 15 , wherein the method further comprises retrieving a plurality of partial return amounts of the payment amount in fiat currency from the crypto exchange via the crypto-bridge API based on the plurality of entries in the queue at the plurality of different respective future dates, and transmit a plurality of payment card transactions to the recipient account with the plurality of partial return amounts based on the plurality of retrieved partial amounts. 
     
     
         17 . A computer-readable medium comprising instructions which when executed by a processor cause a computer to perform a method comprising:
 receiving a payment amount and an identifier of a recipient account from a digital wallet application of a user, the digital wallet application containing a payment card account and a cryptocurrency account;   determining to perform a buy-now pay-later (BNPL) transaction for the payment amount based on current holdings in the payment card account and current holdings in the cryptocurrency account;   transmitting, via a crypto-bridge application programming interface (API), fiat currency from the payment card account to a crypto exchange;   receiving, via the crypto-bridge API, an amount of the cryptocurrency based on the payment amount and store the amount of cryptocurrency in the digital wallet application;   generating an entry comprising a future date, the identifier of the recipient account, and a return value to retrieve from the crypto exchange at the future date; and   storing the entry in a queue.   
     
     
         18 . The computer-readable medium of  claim 17 , wherein the determining comprises predicting, via one or more machine learning models, a future value of the current holdings in the cryptocurrency account based on historical values of the cryptocurrency over time and a future value of the current holdings of the payment card account based on historical values of a fiat currency over time. 
     
     
         19 . The computer-readable medium of  claim 17 , wherein the determining comprises determining to perform the BNPL transaction in response to a predicted future value of the cryptocurrency in comparison to a predicted future value of the fiat currency. 
     
     
         20 . The computer-readable medium of  claim 17 , wherein the crypto-bridge API establishes a communication channel and a message format for communication between a send money service of the digital wallet application and the crypto exchange.